Audi S4 Insurance Rates

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UPDATED: May 20, 2024

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Estimated insurance rates for an Audi S4 are $1,456 a year with full coverage. Comprehensive costs approximately $312, collision insurance costs $624, and liability insurance is $384. Liability-only coverage costs around $432 a year, and high-risk coverage costs around $3,174. Teens pay the most at up to $5,356 a year.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Comprehensive $312
Collision $624
Liability $384

Includes $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for an Audi S4 range from the low end price of $432 for a discount liability-only rate to a much higher rate of $3,174 for a driver who requires high-risk insurance.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below details average Audi S4 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $816
  • Raising to $1,000 deductibles will save $212 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,456
  • Selecting more expensive low deductibles bumps up the cost to $1,870
  • Higher-risk drivers with serious driving violations could pay around $3,174
  • An auto insurance policy that insures a teen driver with full coverage can cost $5,356

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing Audi S4 insurance rates range from $816 to $5,356 for full coverage

Insurance prices for an Audi S4 also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Audi S4 insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,960 on average in New York, Michigan, and Florida.

Audi S4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,314 -$142 -9.8%
Alaska $1,116 -$340 -23.4%
Arizona $1,208 -$248 -17.0%
Arkansas $1,456 -$0 0.0%
California $1,658 $202 13.9%
Colorado $1,388 -$68 -4.7%
Connecticut $1,494 $38 2.6%
Delaware $1,646 $190 13.0%
Florida $1,820 $364 25.0%
Georgia $1,346 -$110 -7.6%
Hawaii $1,046 -$410 -28.2%
Idaho $986 -$470 -32.3%
Illinois $1,084 -$372 -25.5%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,382 -$74 -5.1%
Kentucky $1,984 $528 36.3%
Louisiana $2,156 $700 48.1%
Maine $898 -$558 -38.3%
Maryland $1,200 -$256 -17.6%
Massachusetts $1,160 -$296 -20.3%
Michigan $2,526 $1,070 73.5%
Minnesota $1,220 -$236 -16.2%
Mississippi $1,742 $286 19.6%
Missouri $1,292 -$164 -11.3%
Montana $1,562 $106 7.3%
Nebraska $1,146 -$310 -21.3%
Nevada $1,746 $290 19.9%
New Hampshire $1,050 -$406 -27.9%
New Jersey $1,626 $170 11.7%
New Mexico $1,288 -$168 -11.5%
New York $1,532 $76 5.2%
North Carolina $836 -$620 -42.6%
North Dakota $1,192 -$264 -18.1%
Ohio $1,002 -$454 -31.2%
Oklahoma $1,494 $38 2.6%
Oregon $1,334 -$122 -8.4%
Pennsylvania $1,386 -$70 -4.8%
Rhode Island $1,942 $486 33.4%
South Carolina $1,320 -$136 -9.3%
South Dakota $1,228 -$228 -15.7%
Tennessee $1,274 -$182 -12.5%
Texas $1,754 $298 20.5%
Utah $1,078 -$378 -26.0%
Vermont $994 -$462 -31.7%
Virginia $872 -$584 -40.1%
Washington $1,124 -$332 -22.8%
West Virginia $1,334 -$122 -8.4%
Wisconsin $1,006 -$450 -30.9%
Wyoming $1,296 -$160 -11.0%

View Chart as Image

Audi S4 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $630 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Audi S4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi S4 Quattro 4-Dr Sedan $1,420 $118
Audi S4 Quattro 4-Dr Sedan $1,420 $118
Audi S4 Quattro 4-Dr Sedan $1,456 $121
Audi S4 Quattro 4-Dr Sedan $1,456 $121

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Audi S4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S4 $384 $750 $332 $1,602
2023 Audi S4 $370 $744 $338 $1,588
2022 Audi S4 $356 $726 $354 $1,572
2021 Audi S4 $344 $696 $364 $1,540
2020 Audi S4 $326 $672 $376 $1,510
2019 Audi S4 $312 $624 $384 $1,456
2018 Audi S4 $300 $588 $388 $1,412
2016 Audi S4 $270 $484 $390 $1,280
2014 Audi S4 $254 $424 $402 $1,216
2010 Audi S4 $200 $296 $402 $1,034
2009 Audi S4 $194 $266 $398 $994
2007 Audi S4 $188 $248 $384 $956
2006 Audi S4 $172 $236 $380 $924

Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Cheapest Audi S4 Insurance

Finding better rates on Audi S4 insurance consists of not taking risks behind the wheel, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates at every other renewal by obtaining price quotes from direct companies, and also from local insurance agencies.

The following is a recap of the concepts that were touched on above.

  • High-risk drivers that have major violations or accidents may have to pay on average $1,720 more per year for S4 insurance
  • Teens are expensive to insure, possibly costing $446 per month if full coverage is included
  • You may be able to save around $180 per year just by shopping early and online
  • Increasing policy deductibles can save approximately $625 each year
  • You may be able to save around $180 per year just by shopping early and online

Rates by Driver Age

Audi S4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,356
20 $3,382
30 $1,526
40 $1,456
50 $1,330
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,533
100/300 $1,629
250/500 $1,878
100 CSL $1,571
300 CSL $1,782
500 CSL $1,936

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,686
20 $5,390
30 $3,252
40 $3,174
50 $3,024
60 $3,000

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $210

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $78
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $96
Paid in Full/EFT $71
Advance Quote $75
Online Quote $106
Total Discounts $640
Rate after discounts $816

Discounts are estimated and may not be available from every company or in every state.

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